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An automobile accident is always an unpleasant experience, no matter the circumstances under which it occurs. This can be especially true if there’s any sort of argument over who was at fault in the accident. Dealing with your own insurance company can be enough of a challenge, but the difficulty can be compounded if you think you might have to deal with the other driver’s insurance.
There’s no way to completely smooth over the experience of a car accident, but you can take a lot of the stress out of it simply by being prepared. You should know what your rights are, legally speaking, and what you are and are not required to do. Below, we’ll discuss a few of the ways you can mitigate the stress on yourself. Read on to learn how to prepare for the other driver’s insurance company to call.
It goes without saying that, after an accident has taken place, you must report it to the proper authorities. This includes your own insurance company when you file a claim to recoup some of the damage done to your vehicle. However, there is no law compelling you to speak to the other driver’s insurance company, and, indeed, in most cases, it’s not a good idea to do so.
A car accident is a stressful experience, and you might be tempted to try to get it over with by saying whatever you feel you need to, to make it go away. But odds are that you’re not an expert in insurance, and the company that’s contacting you knows that. They’ll take advantage of the fact that you’re shaken and stressed, as well as the fact that you’re unlikely to be an expert in matters regarding car insurance. Remember that their motivation is always to save as much money as they can for their company. If they can get out of paying a claim, they will.
It’s possible the other driver’s insurance company will try to manipulate or trick you into admitting fault for the accident, whether that’s the truth or not. Their agents are well-trained to do this, which is why it’s best to avoid speaking with them entirely.
It’s easy enough to assume that if you simply recount the experience as it occurred, you’ll be in the clear. After all, why would you get yourself into any trouble if you just tell the insurance company the truth about what happened? Well, since insurance companies are trained to look for any sort of discrepancies in your story, even being perfectly forthright and truthful over the phone can end up being damaging for you.
This is because, even though you were involved in the accident, you’re not actually aware of everything that happened. That is to say, you’re not a doctor, a lawyer, nor an expert in the mechanics of automobile accidents. You don’t necessarily know all the details of the laws regarding the accident. Nor are you likely to be fully aware of the medical realities that have ensued from the accident.
That’s why, no matter how well-intentioned you may be, communicating directly with the other driver’s insurance company isn’t likely in your best interests.
Car accidents can be life-changing events, but they happen quickly and are incredibly chaotic. After the accident has occurred, you’ll probably be asked to repeat the story over and over, by the police, by your own insurance company, and by other authorities who want to know exactly what took place. The other driver’s insurance company, having a vested interest in getting out of paying any claims, will go out of their way to try to find discrepancies in the stories you tell so that they can make you look bad.
It would be very surprising if every retelling of the story of the accident was completely consistent, because of the chaos and suddenness of the experience. Nevertheless, the insurance company will point out any details that are missed or changed in an effort to discredit you in front of a judge. This might sound cynical, but it’s simply how insurance companies operate. Their first consideration will always be their own finances.
Because the process of dealing with insurance companies after a car accident is so complicated, and because these companies will specifically try to take advantage of you while you’re vulnerable, your best bet might be to contact a lawyer.
You won’t necessarily need a lawyer after every fender-bender, but if the accident was more severe, it’s a good idea to at least consult with a qualified attorney. An attorney is likely to be required if someone was seriously injured or killed in the accident, or if the accident rendered you unable to work and collect an income.
The more parties involved in the accident, the more likely it is you’ll need to secure the services of a qualified attorney. In short, if there are any sort of complications to the situation, you should at least speak with an attorney and ask for their advice. Contact a firm such as Warren Allen to discuss your options regarding representation.
Another reason to leave your situation in the hands of an attorney is that the rules tend to be different from state to state. We’ve mentioned that you can’t be legally compelled to talk with the other driver’s insurance company, but this may be different if you live in a no-fault state or if the other driver is simply refusing to talk to their own insurance company. In either case, it’s still a good idea to consult with a qualified attorney before doing anything. In this way, you’ll minimize your chances of being tricked by an unscrupulous insurance company and maximize your chances of getting your own claim paid.
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There may come a time when your loved one needs extra assistance so that they can be properly cared for and looked after. While your loved one may fight you and put up some resistance out of fear of losing their independence, if they are exhibiting signs that show that they are unable to care for themselves, then it is in everyone’s best interests to find a solution so that they are kept safe and healthy.
Typically, there are common signs that will show whether your loved one needs additional help. The following guide highlights some tell-tale signs to look out for when a loved one needs extra assistance.
Dirty clothing is a sign that your loved one is unable to care for their belongings. They may not be able to pick up their clothing from the floor, put them in the wash, or hang them. They may also be more prone to accidents that stain or dirty their clothes and are unable to wash them clean again. It is a good idea to keep an eye on the clothes that they wear and whether they are clean, ironed, and dressed to their usual standard.
Much like their clothes, you will want to keep an eye on the person’s personal hygiene. If they are unable to wash or bathe themselves, or wash their clothing, then you may notice a decline in their hygiene. You could notice a smell around the house or that their hair is unkempt and matted. When you see signs of your loved one unable to care for their personal hygiene, it may be time to talk to them about assisted living so that they get additional help. Head to npseniorliving.com for more information on what assisted living is and how you can start the conversation with them.
Being unable to walk or move properly is a huge cause for concern as this can lead to them being unable to care for themselves but also lead to injuries if they try to move and fall. While you may be able to help your loved one stay mobile by investing in a wheelchair, if they are struggling to use the bathroom, for example, then you may need to make changes so that there is a seat in the shower or bath as well as grab rails.
Poor memory can lead to accidents such as leaving the cooker on or forgetting whether they locked the front door. This can leave them vulnerable. What’s more, poor memory can be an early sign of Alzheimer’s. There are many ways you can check what is normal and whether their forgetfulness needs addressing.
While no one wishes to think about their loved one’s needing help, there comes a time when it is best for everyone involved and may be able to keep them safe and secure. Remember that your loved one may be against additional help at first, but if it is necessary, then you should start the conversation as soon as possible.
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The gluten-free diet is already an important part of the arsenal for people with celiac disease, an autoimmune disorder that causes an adverse reaction in the small intestine whenever gluten is consumed.
So, gluten-free diet advocates have turned their attention to the weight-loss claims in hopes of getting more people to try it. They argue that eliminating gluten can help people feel fuller, eat less, and possibly even reduce food cravings. And once you’re on a gluten-free diet, your health care provider might also recommend that you eliminate other carbohydrates, such as refined sugars, artificial sweeteners, and grains. That’s because those foods all contain starch, which gluten-free folks are often told to substitute for wheat flour and other gluten-containing products.
If you’ve jumped on the gluten-free bandwagon, chances are you felt better after cutting gluten out of your diet. But can it also help you lose weight? Let’s read on.
It helps improve the mindfulness
There is a significant rise in gluten-free product consumption. People who take this new dietary approach are also more conscious of nutrition labels and are more knowledgeable about their food contents. The study also revealed that 94% of the people who make food choices based on their health attributes tend to be health-conscious in general. So, it would appear that consumers start checking out the nutrition labels not only for gluten-free products but for all products they buy. And if you ask me, that’s a very good thing. If you are on the lookout for the right suppliers of gluten-free products, check out Bio Living – Gluten-Free Wholesale Distributors.
Weight loss with celiac disease
In a study from Yale, 12 obese celiac disease patients, switched to a gluten-free diet for three months. After three months on the gluten-free diet, all of the patients had lost weight, beginning at an average of 38 pounds and ending at an average of 17 pounds. If you are overweight and have the biochemical markers associated with celiac disease, you may find relief from a gluten-free diet.
The idea is that you have to restrict what you can eat to avoid gluten seriously. So, if you’re short on options, you’re bound to lose weight. This keeps you focused on the diet and not just cheating while saying you’re celiac….
Wheat
There’s something missing in conventional diets that allows Chronic Cardio to succeed against the odds, according to Dr. William Davis, author of Wheat Belly. He said that the lack of gluten-free grains allowed his patients to lose weight without worrying about regaining it. If you’ve decided to ditch the wheat but notice you’re still experiencing bloating and weight gain, it may be time to look outside the dang sandwich…
I’m not a doctor and can’t tell you who should follow the gluten-free diet. But I can tell you for a fact, from doing research for this book, that thousands of people are losing weight on this diet…and they eat carbs and grains along the way.
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